Call reports 2016
CITIZENS SAVINGS BANK — 2016
What CITIZENS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 210,170,000 | 212,476,000 | 212,303,000 | 209,779,000 |
| Total loans | 161,433,000 | 163,870,000 | 164,322,000 | 166,651,000 |
| Allowance for loan losses | 3,518,000 | 3,593,000 | 3,651,000 | 3,896,000 |
| Securities available for sale | 14,682,000 | 18,373,000 | 20,134,000 | 20,372,000 |
| Securities held to maturity | 2,247,000 | 1,869,000 | 1,863,000 | 1,855,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,357,000 | 176,811,000 | 176,322,000 | 173,001,000 |
| Interest-bearing deposits | 139,313,000 | 140,000,000 | 139,200,000 | 137,654,000 |
| Noninterest-bearing deposits | 36,044,000 | 36,811,000 | 37,121,000 | 35,348,000 |
| Equity capital | 28,955,000 | 29,427,000 | 29,676,000 | 29,445,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,738,000 | 5,612,000 | 8,421,000 | 11,177,000 |
| Interest expense | 366,000 | 741,000 | 1,124,000 | 1,509,000 |
| Net interest income | 2,372,000 | 4,871,000 | 7,297,000 | 9,668,000 |
| Noninterest income | 350,000 | 600,000 | 870,000 | 913,000 |
| Noninterest expense | 2,094,000 | 4,186,000 | 6,386,000 | 8,290,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 470,000 |
| Pretax income | 553,000 | 1,135,000 | 1,556,000 | 1,821,000 |
| Income tax | 180,000 | 360,000 | 483,000 | 552,000 |
| Net income | 373,000 | 775,000 | 1,073,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,780,000 | 29,182,000 | 29,480,000 | 29,676,000 |
| Total capital | 30,499,000 | 30,934,000 | 31,250,000 | 31,471,000 |
| Risk-weighted assets | 135,717,000 | 138,339,000 | 139,708,000 | 141,466,000 |